Mortgage Solutions
You Deserve Just a Click Away
Finding the right mortgage doesn’t have to be complicated. Whether you’re buying your first home, investing in property, or exploring refinance options, we’re here to make the process simple, transparent, and tailored to your needs. Start your journey today and discover how easy it can be to turn your home goals into reality.
20+
Loan Programs
From Traditional loans such as FHA, VA, USDA, and Conventional. To Non-QM Loans like DSCR, Bank Statement, 1099, Self employed. Along with Home Equity options and many other loan products.
Our Expertise
With years of experience in lending, we understand how to match the right solution to each client's needs. Our team is here to guide you through every step with clarity and care.
Trusted lending advice, built on experience.
Loan Products
Loans Designed to Support Your Goals
Residential Loans
Helping homebuyers find the right mortgage for their needs—whether it’s your first home or your forever home. Explore FHA, VA, conventional and Non-QM options designed to fit your budget and goals.
Your path to homeownership starts here.
Investment Property Loans
Build wealth through real estate with flexible loan options for rental properties, and second homes—crafted to grow your investment portfolio.
Financing built for your real estate goals.
Home Equity
Use your home’s value to fund renovations, consolidate debt, or cover major expenses. Flexible terms and smart solutions to make your equity work for you.
Unlock the power of your home’s equity.
Your Home. Your Loan. Your Style.
Our Mission
Empowering Your Home Financing Journey
Buying or refinancing a home is one of the biggest financial decisions you’ll make — and it deserves guidance you can trust. My goal is to simplify the process, provide clear answers, and help you make confident choices every step of the way.
From application to closing, you’ll receive consistent communication, expert advice, and a commitment to making your mortgage experience smooth, transparent, and stress-free. Together, we’ll turn your homeownership goals into reality.
Customers Focused
We focus on understanding your unique needs, providing solutions that work best for you.
Transparent Process
Honesty and clarity guide every decision we make, ensuring trust in every interaction.
Why Choose Us
What Sets Us Apart?
We believe the mortgage process should be simple, transparent, and tailored to you. Every client has unique goals, and we’re committed to finding the right lending solution that fits your situation—not a one-size-fits-all approach. From first-time homebuyers to seasoned investors, our focus is on clarity, communication, and personalized service that makes your home financing experience smooth from start to finish.
⇨ Tailored Solutions: Custom loan options designed around your goals.
⇨ Fast Closings: Efficient processing to get you home sooner.
⇨ Transparent Guidance: Clear communication every step of the way.
⇨ Ongoing Support: A trusted resource long after closing day.
Our Process
Your Path to Your Home
#1
Get Pre-Qualified
Start by sharing a few details about your goals and finances. We’ll help you understand how much home you can afford and which loan options fit best. Start by filling out an application
#2
Find the Right Loan
Explore personalized mortgage programs—FHA, VA, Conventional, or specialized options—tailored to your needs, budget, and timeline
#3
Close with Confidence
Once you’ve found your home, we’ll guide you through each step of the process to a smooth closing.
FAQS
Frequently Asked Questions
How do I know how much home I can afford?
We’ll start by reviewing your income, credit, and monthly expenses to determine your purchasing power. A pre-qualification or pre-approval gives you a clear price range and makes your offer stronger.
What types of loans do you offer?
We offer a range of options including FHA, VA, Conventional, Jumbo, Non-QM, investment property loans, Refinance, and home equity products. We’ll help you choose the best fit for your goals.
How long does the mortgage process take?
Timelines can vary, but most loans close in about 25–30 days. Being prepared with your documentation can help speed things up.
Do I need perfect credit to buy a home?
No. There are loan programs designed to work with a wide range of credit scores. We’ll explore the best options for your unique situation.
How much money do I need for a down payment?
It depends on the loan program. Some programs allow as little as 3% down—or even 0% for qualified borrowers. We’ll help you find out what you qualify for.
What are closing costs?
Closing costs include lender fees, title costs, insurance, taxes, and other expenses associated with finalizing the loan. We’ll provide a clear estimate upfront.
Can I refinance my mortgage later?
Yes. Many homeowners refinance to lower their interest rate, change their loan term, or access home equity. We’ll review your goals and help you determine if it’s a smart move.
What documents will I need to apply?
Typically, you’ll need recent pay stubs, W-2s or tax returns, bank statements, and a valid ID. Depending on the loan type, we may ask for a few additional items.
Testimonials
We Have Solutions For Everyone
Derek and his team were amazing to work with! They answered every question we had before we even committed to using them for our mortgage provider. Extremely knowledgeable and on top of everything every step of the way!
Krista M.
Contact
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(208) 403-8230
Shad Whaley NMLS# 1999864
My Style Mortgage Inc.; NMLS #2622728; www.NMLSConsumerAccess.org. Equal Housing Lender. Licensed in Idaho, Texas and Utah. For additional information please visit https://www.mystylemortgage.com/privacy-policy. Lending services provided by My Style Mortgage Inc. 115 N. Clark St. Rigby, ID 83442